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Wells Fargo has had a tough time in the news lately. From their failed STEM ad campaign to their recent fake accounts scandal, things are not looking good for the banking giant.

At first, their CEO released a statement saying it’s not a matter of culture, but when 5,000 employees are let go for fraudulent behavior, it’s certainly a matter of culture. Wells Fargo employees signed customers up for 2 million accounts without their knowledge.

This leads to a larger conversation about global banking. In the credit union world, we often tell people to “Make your money matter.” Sure, your money matters at a big bank, often because it’s used to line someone else’s pockets, and (often) the pocket-lining is at the expense of the financially vulnerable. At a big bank, money matters to someone, but it’s not on your behalf, or your family’s, or your community.

And it isn’t the fault of the teller or branch manager. It is a cultural problem. With high pressure sales goals to just get to the bottom line, people begin to do unethical things to keep their job and provide for their family.

There’s a serious problem when profits are placed over people—over customers and over the employees who actually earn money for the company. Employees deserve to be compensated fairly for the customers they serve and results they deliver, but you simply cannot succeed as a business if delivering results is not for the people you serve.

At a credit union, you know your money matters. The credit union business model is not-for-profit and is literally to serve members. You’re part owner, so your opinion matters. The seventh cooperative principle, concern for your community, is ingrained in each and every credit union. It’s about equality, equity and mutual self-help. When one person rises, so does everyone.

So, if you’re reading this, maybe you have an auto loan or credit card through your credit union but aren’t a regular checking account holder. Consider making a smarter choice, ditching your bank and doing business with a credit union.